The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$6,933
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,148
−HK$219/mo
Today · 4.125%
HK$7,367
baseline
▲ 0.50% · 4.625%
HK$7,816
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,734/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,713
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,919
−HK$210/mo
Today · 4.125%
HK$8,129
baseline
▲ 0.50% · 4.625%
HK$8,558
+HK$429/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,258/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,319
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,578
−HK$263/mo
Today · 4.125%
HK$8,841
baseline
▲ 0.50% · 4.625%
HK$9,379
+HK$538/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$17,682/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,255
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,503
−HK$252/mo
Today · 4.125%
HK$9,755
baseline
▲ 0.50% · 4.625%
HK$10,269
+HK$514/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$19,510/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,706
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,008
−HK$306/mo
Today · 4.125%
HK$10,314
baseline
▲ 0.50% · 4.625%
HK$10,942
+HK$628/mo
Deposit HK$912K · loan HK$2.13M · min. income ≈ HK$20,628/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,798
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,087
−HK$294/mo
Today · 4.125%
HK$11,381
baseline
▲ 0.50% · 4.625%
HK$11,981
+HK$600/mo
Deposit HK$912K · loan HK$2.13M · min. income ≈ HK$22,762/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,479
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,867
−HK$394/mo
Today · 4.125%
HK$13,261
baseline
▲ 0.50% · 4.625%
HK$14,068
+HK$807/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$26,522/mo (50% DSR)
Upfront cash ≈ HK$304K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,883
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,255
−HK$378/mo
Today · 4.125%
HK$14,633
baseline
▲ 0.50% · 4.625%
HK$15,404
+HK$771/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$29,266/mo (50% DSR)
Upfront cash ≈ HK$304K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).